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Authors
Curtis Arnold, Editor-in-Chief
Joe Taylor Jr., Reporter
Amber Stubbs, Managing Editor
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Average RatingAnswer By Joe Taylor Jr. : Q: So, I am about to turn 18. I need to build my credit, and may need about $100 or so each month to cover the remainder of my rent. I work a decent amount of time, and will be able to make payments on a credit card monthly. What type of card should I [...] Read More
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Average RatingAnswer By Joe Taylor Jr. : Q: I am 24 years old, I work full time, I have never had a credit card. I use a debit card for my purchases and I want a credit card that will have no annual fee and give me rewards back. I plan to pay on time and in full every month. What is [...] Read More
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Average RatingAnswer By Joe Taylor Jr. : Q: I'm in my late 20s, with a credit score of 680. I'm looking to get my first credit card to increase my credit score, and I'm interested in cash back rewards. What's recommended? A: You've made it this far without a credit card, but your good credit score indicates you must have at least a [...] Read More
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Average RatingAnswer By Joe Taylor Jr. : If you're reviewing credit card applications for the first time, you could find yourself overwhelmed with competing offers, perks, and fine print. I can suggest a few card styles that can narrow down your selection process. Being a first-time credit card holder doesn't mean you're limited to just the worst deals on the market. Many banks [...] Read More
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Average RatingAnswer By Lynnette Khalfani-Cox : When seeking your first credit card, start by comparison shopping for the best deals available and keep three things in mind: how you will use the card, the fees and rates charged, and the potential benefits you can get from the credit card. CardRatings.com is an excellent resource for you to compare the available offers for [...] Read More
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Average RatingAnswer By Lynnette Khalfani-Cox : Repaying a student loan means you do have some credit, but getting a credit card is also a good idea if you are looking to either improve your credit score or better establish your credit rating. According to Fair Isaac, the company that created the FICO credit score, 10 percent of your credit score is based [...] Read More
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Average RatingAnswer By Geoff Williams : That depends. Assuming you're gainfully employed, but you're young and don't have a long history of credit -- you don't own a house and haven't paid off a car -- then your best bet is to look for a credit card that is aimed at people with a limited credit history. If you are older and [...] Read More
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Average RatingAnswer By Joe Taylor Jr. : Secured credit cards offer a very good way for new residents of the U.S. to establish a credit history. However, it's becoming harder to tell the difference between secured credit cards and prepaid debit cards. Only one of these can help you build your credit history. When you open a secured credit [...] Read More
